How American General (AIG) Looks at Hypertension for Life Insurance

Ty Stewart - Founder - Written by Ty Stewart - Last Updated October 18, 2018

When you have high blood pressure, shopping for affordable life insurance doesn’t have to be difficult.

There are many great life insurance companies that will insure people with hypertension and American General, AIG, is one of them.

Before we talk about what makes AIG a great option, let’s cover:

  • How you may qualify to purchase life insurance from American General if you have hypertension
  • What the health criteria you must meet is 
  • How they view the medical risks associated with your condition

One in three American adults suffers from high blood pressure, and it’s a leading cause of death in the United States.  Due to these high statistics, when applying for life insurance with AIG, they will establish your rates by viewing your entire health picture.

Individual rates are determined by assigning you to a health class.  To assign the class, they establish if your high blood pressure is considered primary hypertension or secondary hypertension (caused by an underlying medical condition, such as an aorta defect or kidney disease).

An underwriter will also examine your blood pressure readings over the past twelve months.  If the readings are below the maximum thresholds, the premiums will be lower.  If they are above, you may still buy life insurance but at substandard rates established, using what is known in the industry as, Table Ratings.

How AIG Looks at Your Blood Pressure Readings

AIG does approve the use of blood pressure medication in all health classes.

However, they require that your blood pressure has been stable for the past six months.  The lowest rate classes may be offered if both systolic and diastolic levels are below the thresholds outlined below:

Preferred Plus

140/85 over age 61

135/85 under age 61


150/85 over age 61

140/85 under age 61

Standard Plus

155/88 over age 61

145/88 under age 61

Life insurance companies are in the business of judging risk and as you can see from the above, rates for people with high blood pressure are directly related to age, how controlled the blood pressure is, and if it is primary or secondary.

An example of the medical risks that AIG is concerned about includes:

  • Stroke
  • Kidney Failure
  • Atherosclerosis
  • Heart Attack
  • Vision Loss

Check out our comparison of how multiple companies view your blood pressure levels

About Hypertension

Some manageable contributors to high blood pressure include:

There are things you can do to help manage your blood pressure, which could result in lower rates, such as:

  • Know your numbers and monitor at home
  • Follow the treatment plan prescribed by a doctor
  • Follow a heart-healthy diet
  • Reduce sodium intake
  • Lose weight
  • Exercise

Since high blood pressure is also known as The Silent Killer, it’s a great idea to monitor your blood pressure to ensure you are healthy and stay in the normal range.  Of course, you should always consult your doctor, but a simple guideline is:

  • Normal: 120 over 80 (or lower)
  • Prehypertension: 120-139 over 139 80-89
  • High: 140-159 over 90-99.
  • Medical Emergency: 180+ over 110+

About the Company – American General (AIG)

Now that you know a bit more about what qualifies you to purchase life insurance from American General if you have hypertension, the next step is to determine if AIG is the right company for you. American General life insurance company

They offer a wide selection of life insurance products to include:

  • Term Life
  • Guaranteed Issue Whole Life
  • Quality of Life Insurance
  • Universal Life Insurance
  • Variable Universal Life
  • Accident and Health

AIG has been in business for nearly one hundred years and is known for working closely with their customers while delivering value and efficiency.  They are one of the largest insurers in the world, serving ninety million customers in more than one hundred countries.

They became a symbol of the United States during the 2008 financial crisis after the government bailed out them out for $182 billion in exchange for an equity stake. They have since restructured and repaid the debt, plus interest.  In 2012, the U.S. Treasury sold off its last company shares.

They now enjoy some of the industry’s highest ratings for financial strength and performance and are rated “superior,” according to A. M. Best.

They have received numerous awards and recognition, such as  DiversityInc named AIG one of 25 Noteworthy Companies for Diversity; Ward’s 50 Top Performance for safety, consistency and performance; and Business Insurance Innovation Awards – to name a few.

Finding the Best Insurance Company For High Blood Pressure

AIG is a great company but it’s not the best fit for everyone.

We can help you determine if AIG is the best fit for your needs and budget.  As an independent agent, we will compare more than 60 insurance companies to ensure you find the best plan, at the lowest rate, and get answers to all your questions.

There is no cost or obligation for this service. To begin, fill out the quote form, and we can get started right away.

The opinions in this article are based on our knowledge of the American General (AIG) underwriting guidelines at this time.  Guidelines are subject to change at any time.  We are not an employee of American General, AIG, but rather an independent agent contracted to work with them as well as 60+ carriers.  Our business is placing clients with the right company.

About Ty Stewart
Avatar for Ty Stewart
Ty Stewart is the founder of He is an independent life insurance agent that works for his clients nationwide to secure affordable coverage while making the process simple. There is never any cost to use his services.

Posted in Blood Pressure, Pre-Existing Conditions